15 Tips to Improve How You Handle Money

Personal Finance

15 Tips to Improve How You Handle Money

15 Tips to Improve How You Handle Money

Is your goal to live life like your favorite reality TV star, or do you just want financial stability and a luxury vacation every now and then? Whatever your lifestyle goals, you can’t meet them without learning how to be responsible with money. No one wants to be stuck in debt. The best way to... Read More

8 Ideas for Smart Phone Use

Guides

8 Ideas for Smart Phone Use

8 Ideas for Smart Phone Use

Do you ever feel like your phone controls your life? If you’re like the average American, you check your phone 52 times a day. And while that often starts with checking email, it’s easy to go down a virtual rabbit hole. Whether it’s squandering time with real friends while scrolling social media, procrastinating a project... Read More

15 Tips to Protect Your Credit While Traveling

Credit 101

15 Tips to Protect Your Credit While Traveling

15 Tips to Protect Your Credit While Traveling

It’s finally time to go on that vacation you’ve waited for all year. Whether you’re headed on a relaxing trip or a wild adventure, your credit cards will be the last thing on your mind. While you’re preparing for your big trip, figuring out how to protect credit your cards while traveling should be on your to-do... Read More

5 Things You Must Consider Before Borrowing Money

Managing Debt

5 Things You Must Consider Before Borrowing Money

5 Things You Must Consider Before Borrowing Money

American adults, in general, carry average debt loads between $34,000 and $134,000, with adults age 35 to 64 carrying the largest balances. And that’s not always a bad thing. A lot of that debt involves large purchases such as homes and cars. Responsibly paying those types of debts means you end up owning something of value.... Read More

7 Reasons Your Credit Score Isn’t Improving

Credit Score

7 Reasons Your Credit Score Isn’t Improving

7 Reasons Your Credit Score Isn’t Improving

Your credit score is a critical factor in whether you can obtain a home loan or a new credit card or, in some cases, open a bank account or find affordable car insurance. Making payments in a timely manner and otherwise handling debt in a responsible way typically drives your credit score up. Making late... Read More

The Best Ways to Handle Your Money When Traveling

Personal Finance

The Best Ways to Handle Your Money When Traveling

The Best Ways to Handle Your Money When Traveling

It’s finally time for you to go on that big trip you’ve been waiting for. Your bags are packed, the flights are booked and you’re ready to go. But before you hop on that flight, there’s one more thing to sort out—how you’re going to handle your money while traveling. Don’t worry—the Credit.com editorial team... Read More

How Much Does Your Family Need in Savings?

Personal Finance

How Much Does Your Family Need in Savings?

How Much Does Your Family Need in Savings?

Family savings is something you’ve probably thought about on more than one occasion. It can be tricky to save anything while you’re busy making sure your family has what it needs day-to-day. Aside from providing a house, clothing, and daily meals, you may also need to pay for higher education for your kids, next year’s... Read More

3 Ways Health Insurance Protects Your Personal Finances

Personal Finance

3 Ways Health Insurance Protects Your Personal Finances

3 Ways Health Insurance Protects Your Personal Finances

Medical care is expensive. And affordable health insurance can be difficult to find. But finding fund for the monthly premium in your budget can protect your finances in the long run. Alternative solutions like urgent care and prescription discount finder tools have popped up to help people find more affordable prices. But these cheaper services... Read More

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Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.



Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team